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Jenn Smart

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1111 N Water , Bay City, MI 48707
$1,195,000
Est. Payment: $6,227.31/mo
4 Bed
5 Bath
4617 Sqft
Status: active | Days on site: 1
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House Description

Welcome to a rare opportunity to own one of Bay City's most distinguished waterfront residences. This remarkable penthouse spans over 4,600 square feet of impeccably designed living space, featuring timeless finishes, exceptional craftsmanship, and sweeping views of the Saginaw River. With 4 bedrooms and 5 bathrooms, the residence is anchored by a luxurious primary suite offering private balcony access, a custom walk-in closet, and a distinctive his-and-her bathroom layout. For added indulgence, a private steam room provides the perfect space to unwind and rejuvenate. One of the bedrooms serves as a beautifully designed art studio, featuring a built-in sink, custom cabinetry, and a spacious work desk—perfect for artists, hobbyists, or anyone seeking a serene and functional creative space within the comfort of home. From the moment you enter through the custom mahogany front door, you're greeted by soaring ceilings and intricate woodwork throughout. The heart of the home is a true entertainer’s dream: a fully outfitted gourmet kitchen designed with professional functionality in mind. It includes a hidden butler’s pantry with its own sink, stove, and storage, ideal for catering or staff. The kitchen can also be closed off entirely from the main living area for added discretion during events or gatherings. The adjacent bar is thoughtfully equipped with four refrigerated drawers, two freezer drawers, a wine refrigerator, and a second dishwasher—perfect for seamless entertaining on any scale. The residence offers both a formal living room and a separate family room, each with its own fireplace, creating multiple cozy and sophisticated gathering areas. A private office with balcony access offers a serene setting for remote work with inspiring waterfront views. The expansive balcony offers panoramic views of the Saginaw River, Liberty Bridge, and passing freighters—ideal for hosting guests at sunset or enjoying tranquil mornings by the water. A unique feature of this penthouse is its dual-entry layout. In addition to the main entrance, a secondary, private entry leads to a distinct section of the home that can be closed off entirely—an ideal setup for live-in staff, guests, in-laws, a nanny, or catering teams. This thoughtful layout offers true flexibility without compromising the flow or luxury of the residence. Additional amenities include four dedicated parking spaces, generous private storage, and the largest boat slip in the community—perfect for housing your personal watercraft. Residents enjoy access to beautifully maintained common areas, including an elegant lobby and inviting shared spaces that includes a large event space with attached catering kitchen, a club room and a library. This one-of-a-kind penthouse offers the perfect blend of sophistication, flexibility, and stunning scenery—a rare opportunity for luxury living in the heart of Bay City. Available for exclusive in-person tours for pre-qualified buyers.

Highlights

Listed by Karah Ralph , 989-252-7811 and Thomas Webb , 989-492-0650 Century 21 Signature Realty Midland , 989-837-2100. MiRealSource, Inc. mls logo

Property Type

Condo/Townhome

HOA Fee

650 Monthly

Year Built

2007

County

Bay

Area

Bay City (09016)

Neighborhood

Boathouse Condominiums

School District

Bay City School District

Listing ID

50213767

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Bar-Refrigerator, Dishwasher, Microwave, Range/Oven, Refrigerator
Air Cond:Central A/C
Fireplaces:FamRoom Fireplace,LivRoom Fireplace
Above Ground Sq Ft:4617
Below Ground Sq Ft:0
Basement:Common
Other:
  • Additional:Walk-In Closet, Wet Bar/Bar
Water:Public Water

Exterior Features

Others:
  • Additional:Exterior Balcony
Sewer:Public Sanitary
Parking Features:Attached Garage,Gar Door Opener,3 or More Spaces,Garage
Principal Interest
$6,227
Taxes
$2,009
HOA
$650

Home Price

$1,195,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$239,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$6,227.31

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,227.31 $2,009.13 $650.00 $8,886.44
Yearly $74,727.73 $24,109.52 $7,800.00 $106,637.25
Total $2,241,832.04 $723,285.60 $234,000.00 $3,199,117.64
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So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Bay City, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

The information published and disseminated by MiRealSource is communicated verbatim, without change by MiRealSource, as filed with MiRealSource by its members. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.

Copyright 2026 MiRealSource. All rights reserved. The information provided hereby constitutes proprietary information of MiRealSource, Inc. and its shareholders, affiliates and licensees and may not be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, scanning or any information storage and retrieval system, without written permission from MiRealSource, Inc.

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Data last updated: 2026-09-02T03:11:55.100Z

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